A short-settled Group Health Insurance claim means the insurer has paid less than the actual medical expenses claimed, often due to sub-limits, exclusions, room rent capping, or insufficient documentation. This can leave employees or employers to bear unexpected out-of-pocket costs, creating dissatisfaction and financial stress. At Authentic Insurance Brokers India Limited, we help employers and HR teams understand the reasons behind claim short-settlements, review policy terms, and coordinate with insurers to pursue a fair and justified settlement—ensuring your team receives the coverage they were promised.